Pathfinder Bank
Credit Cards

Secured Platinum Visa®
from Pathfinder Bank

Secured Platinum Visa®

Secured Platinum Visa®
from Pathfinder Bank

The card that helps you build or re-build credit.



Important Disclosures

BUILD YOUR CREDIT WITH RESPONSIBLE USE.

Security Deposit

Security Deposit

When you're approved for a secured card, your security deposit (between $300 and up to $5,000) will equal your credit limit.

Build Credit History

Build Credit History

Payment and usage behavior is reported to the three major credit bureaus.

Free FICO® Score<sup>1</sup>

Free FICO® Score1

Get your FICO Score anywhere, anytime. It's a great tool for credit education and identity theft monitoring.

Pen & Paper

Interest Rates & Fees Summary

Purchase and Balance Transfer APR
21.24% variable APR, based on your creditworthiness. Your APR will vary with the market based on Prime Rate.
Annual Fee
$29
Purchase and Balance Transfer APRAnnual Fee
21.24% variable APR, based on your creditworthiness. Your APR will vary with the market based on Prime Rate.$29

Important Disclosures

Additional Product Features

  • Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™

Important Disclosures

Secured Platinum Credit Card

Information on this disclosure was accurate as of October 4, 2022. This card will be issued and administered by TCM Bank, N.A. Before you submit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and other costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have changed, please write to: TCM Bank, N.A., PO Box 105666 Atlanta, GA 30348-5666. Each applicant must be at least 18 years of age.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 21.24%
This APR will vary with the market based on Prime Rate.*
APR for Balance Transfers 21.24%
This APR will vary with the market based on Prime Rate.*
APR for Cash Advances 24.24%
This APR will vary with the market based on Prime Rate.*
How to Avoid Paying Interest on Purchases Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee $29.
Transaction Fees
  • Balance Transfer
  • Either $5 or 3% of each balance transferred, whichever is greater.
  • Cash Advance
  • Either $5 or 3% of each cash advance, whichever is greater.
  • Foreign Transaction
  • 1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant.
    Penalty Fees
  • Late Payment
  • Up to $40.
  • Over-the Credit Limit
  • None
  • Returned Payment
  • Up to $40.

    How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new transactions)."

    Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder Agreement.

    *We add a margin to the Prime Rate to determine variable APRs. We use the highest Prime Rate listed in The Wall Street Journal on the last business day of the calendar month prior to your statement closing date ("Last Business Day") and apply it beginning with the first billing period following the Last Business Day. APRs shown here are based on a 5.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. The margin for the APR for Purchases and Balance Transfers is 15.74% and for Cash Advances is 18.74%.

    NOTICE: A consumer credit report may be requested in connection with this application and subsequent consumer reports may be requested or utilized in connection with an update, renewal or extension of the credit for which application was made. Upon request, you will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. You agree that we will consider this an Application for a Visa® or Mastercard® account. You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open an account.

    Important Information About Procedures for Opening a New Account

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

    What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

    State Laws Require the Following Notices: California Residents: A married applicant may apply for a separate account. After credit approval, each applicant shall have the right to use this account to the extent of any limit set by the creditor and each applicant may be liable for all amounts extended under this account to any joint applicant. Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. New York Residents: New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York state department of financial services telephone: (800) 342-3736 and website: www.dfs.ny.gov. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. Married Wisconsin Residents: Your signature confirms that this credit obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70, adversely affects the creditor’s interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If the credit card for which you are applying is granted, you will notify TCM Bank if you have a spouse who needs to review notification that credit has been extended to you.

    Applicable Law: The above rates and fees are governed, as are your Cardholder Agreement and account, by the applicable laws and regulations of the United States of America and to the extent not preempted by federal law, the laws and regulations of the State of Florida.

    Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and, if approved, transfer the balance(s) to your TCM account. Please continue to make at least minimum payments on your other credit cards until they notify you that the balances have been transferred. If the amounts you request to be transferred do not satisfy the outstanding balance(s) on the designated accounts, you will continue to be responsible for those balances. The total amount of your balance transfer request cannot exceed the amount of your credit line. You may not transfer balances from other accounts issued by TCM Bank. Transfer requests to cash or to yourself cannot be processed. The payment and transfer of balances are contingent upon approval by the bank and receipt of complete, legible balance transfer requests.

    Deposit Account Disclosures:

    Your Secured Deposit Account will serve as collateral for your credit card obligations to us.

    • This is a non-interest bearing account.
    • You must deposit between $300 and $5,000 to open this account and must maintain a balance equal to your approved credit limit.
    • There are no fees associated with this account.
    • You may not make any withdrawals from or deposits to this account.

    The full deposit agreement for your Secured Deposit Account will be provided with your card. If you disagree with the terms and conditions of the deposit agreement you should contact us immediately after you receive it and request to close the Secured Deposit Account and your credit card account.

    You understand that the terms of your Secured Deposit Account are subject to change. IMPORTANT NOTICE REGARDING CHANGE IN TERMS: We reserve the right to unilateraly change the terms of your Secured Deposit Account at any time for any reason. All changes in terms will be subject to the requirements of applicable law.

    See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
    ††Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
    1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
    2No one can prevent all identity theft.